26.11
Revenuekr M
336.2
344.9
366.1
383.1
395.0
418.5
444.6
456.5
473.4
487.5
28.33
4.30%
4.04%
59
6.20
Revenue growth%
14.30
14.16
13.28
11.10
9.21
12.12
10.47
10.37
8.45
10.12
12.01
10.37
10.79
90
3.25
NIM%
5.14
3.06
2.67
5.13
6.76
7.15
6.50
6.99
8.65
7.96
24.90
7.15
6.63
5
16.39
Effic. R.%
9.96
9.62
10.39
8.99
11.93
11.07
13.72
15.10
15.77
14.92
17.13
14.92
11.50
70
26.93
Net margin%
12.28
11.67
9.65
7.94
10.25
10.13
11.35
10.65
11.95
11.74
27.26
11.35
11.00
75
34.57
P/E ratio (avg)x
10.42
11.19
10.73
12.47
13.65
14.09
15.91
16.86
19.18
21.38
11.69
16.86
13.87
70
37.26
P/TBVx
35.61
34.96
35.86
34.26
38.74
35.22
34.05
36.00
35.31
32.70
32.59
35.22
35.27
32
17.63
P/Bx
7.796
8.579
9.694
8.998
9.543
10.18
9.401
9.995
9.904
9.930
28.66
9.930
9.619
91
392.3
NIIkr M
196.0
203.7
210.7
225.1
235.1
245.5
256.1
269.0
272.9
283.7
163.6
3.83%
3.95%
—
17.83
NII grth%
23.46
23.83
21.56
21.99
19.24
18.88
18.57
20.37
19.87
22.39
25.74
19.87
20.96
52
2.36
ROTE%
21.82
19.00
19.64
20.68
20.68
22.81
22.00
21.47
19.53
19.42
24.55
21.47
20.68
59
10.00
Return on equity%
18.55
18.92
17.67
16.91
13.96
11.67
12.06
10.99
10.34
12.62
8.96
11.67
13.29
32
3.30
Return on assets%
16.38
19.15
21.99
20.18
17.91
18.21
18.89
19.24
18.74
18.79
19.52
18.79
18.84
29
4.96
EPSkr
7.20
7.19
7.19
7.81
9.06
9.23
11.04
12.38
12.55
12.71
5.49
6.99%
6.82%
—
26.70
EPS growth%
27.34
25.25
25.83
25.42
28.01
27.89
25.43
22.90
23.70
21.99
23.48
23.70
25.42
39
7.20
Bookvalue per shkr
14.95
13.12
12.90
12.59
13.39
13.41
13.13
13.51
12.20
11.56
3.94
(2.91%)
(2.23%)
—
13.50
TBV/shkr
10.24
10.19
10.49
10.87
9.68
9.53
8.87
9.33
9.61
9.44
5.78
(0.52%)
0.13%
—
13.30
Dividend per shkr
10.94
12.07
11.33
12.69
13.06
14.20
14.31
13.30
12.00
13.59
18.74
0.79%
2.12%
—
7.31
Div yield (avg)%
5.14
5.63
7.79
4.97
5.64
5.58
4.97
6.67
6.81
7.19
6.38
6.67
5.64
73
23.92
Payout ratio%
8.04
8.36
10.31
12.03
14.62
13.66
12.38
12.42
14.81
16.54
11.15
13.66
12.40
5
7.544
Shares (diluted)M
7.732
7.998
7.850
7.029
6.285
6.099
6.343
6.613
7.237
6.511
7.641
0.71%
(1.28%)
64
14.54
Buyback yield%
8.12
9.84
11.17
13.84
11.91
13.80
14.01
11.72
11.52
8.99
19.98
11.72
11.62
91
73.57
Eq/Assets%
102.52
98.82
108.80
95.46
92.90
88.20
90.95
96.30
87.47
81.66
113.13
88.20
94.18
82
0.031
Assetskr B
0.691
0.741
0.766
0.859
0.908
1.021
1.136
1.212
1.280
1.376
0.230
8.67%
8.12%
76
255.1
LT debtkr M
365.9
332.9
316.2
316.7
338.5
362.0
325.1
342.7
348.1
354.3
378.3
0.92%
(1.28%)
56
Non-interest expense
3.94%
0.99×
Net interest income
58.19%
Non-interest income
41.81%